scholarly journals THE OPERATIONS OF SAVINGS AND LOANS AND THE PERFORMANCES OF BUSINESSES IN ACCRA

2021 ◽  
Vol 3 (4) ◽  
pp. 80-96
Author(s):  
Isaac Mantey ◽  
Christopher Lartei Aryee ◽  
Justice Agyei Ampofo
Keyword(s):  
Financial Institutions ◽  
Small Businesses ◽  
Savings And Loans ◽  
Significant Development ◽  
Start Up ◽  
Level Of Knowledge ◽  
And Performance ◽  
Entire Amount ◽  
High Level ◽  
To Receive

Savings and Loans operations in Ghana represent significant development and performance of most businesses and therefore maintaining these Savings and Loans operations is important. However, there seems to be paucity of studies on the operations of savings and loans companies’ effects on the performances of businesses in general and Greater Accra in particular. This research seeks to bridge this knowledge gap by analyzing the operations of savings and loans companies’ effects on the performances of businesses in the Greater Accra Region of Ghana. The study will be guided by three research objectives. Study methods include the use of questionnaire for data analysis. A total of 40 respondents (20 staff of Savings and Loans companies and twenty (20) small business operators (men and women) who took part in this study were randomly purposively selected. The results indicate that small businesses in Accra township sourced start-up capital from savings and loans companies, personal savings and support from friends and families. It also emerged from the study that the business operators that were unable to receive entire amount requested from the financial institutions attributed it to failure to meet the credit requirements, failure to provide the required collateral security and the absence of active account with the financial institutions. Again the study found that credit received by the business operators in Accra township was utilized for the expansion of business. The study further found that business operators in Accra township are confronted with several challenges in accessing credit facilities from Savings and Loans Companies. These challenges include bureaucracy, lack of opportunity to take second loan, high risk and uncertainty, high level of interest rate on credit, low level of knowledge about credit sourcing and shorter repayment period. It is recommended that to enhance small and medium business operators in Accra township access and acquisition of credit facilities from Savings and Loans companies should be efficiently utilized. Keywords: Operations, Savings and Loans, Performance, Businesses, Accra.

scholarly journals Challenges Faced by Petty Traders in Accessing Loans from Financial Institutions: Evidence from the Upper West Region of Ghana

2019 ◽  
pp. 1-10
Author(s):  
Charles Adusei ◽  
Festus Adu Attafuah ◽  
Isaac Tweneboah-Koduah
Keyword(s):  
Financial Institutions ◽  
Small Businesses ◽  
Pearson Correlation ◽  
Eligibility Criteria ◽  
Policy Makers ◽  
High Interest Rate ◽  
West Region ◽  
Start Up ◽  
Coefficient Of Concordance ◽  
Pearson Correlation Matrix

Access to finance is a key determinant for business start-up, development and growth for small businesses. This paper focused on the challenges faced by petty traders in accessing loans within Wa Central in the Upper West Region of Ghana with a sample of eighty-one respondents for both the questionnaire and the interview.  The data collected was analysed using descriptive statistics, Pearson correlation matrix and Kendall’s coefficient of concordance. The study showed evidence that high interest rate charged; demand for collateral and poor records keeping by petty traders were the challenges of accessing loans. The paper suggests that petty traders must keep proper records and the need for financial institutions to reconsider its stringent eligibility criteria for petty traders, Finally policy makers must create an enabling operating environment for micro enterprises to flourish.

First Steps towards Self-Employment – Microcredit for Enterprise in Scotland

2014 ◽  
Vol 23 (2) ◽  
pp. 169-191 ◽  
Author(s):  
Neil McHugh ◽  
Morag Gillespie ◽  
Jana Loew ◽  
Cam Donaldson
Keyword(s):  
Economic Policy ◽  
Small Businesses ◽  
Enterprise Development ◽  
Grameen Bank ◽  
Economic Strategy ◽  
Self Employment ◽  
Start Up ◽  
The Uk ◽  
Poor Communities

While lending for small businesses and business start-up is a long-standing feature of economic policy in the UK and Scotland, little is known about the support available for those taking the first steps into self-employment, particularly people from poorer communities. This paper presents the results of a project that aimed to address this gap. It mapped provision of support for enterprise, including microcredit (small loans for enterprise of £5,000 or less) and grants available to people in deprived communities. It found more programmes offering grants than loans. Grants programmes, although more likely to be time limited and often linked to European funding, were generally better targeted to poor communities than loan programmes that were more financially sustainable. The introduction of the Grameen Bank to Scotland will increase access to microcredit, but this paper argues that there is a place – and a need – for both loans and grants to support enterprise development across Scotland. A Scottish economic strategy should take account of all levels of enterprise development and, in striving towards a fairer Scotland, should ensure that the poorest people and communities are not excluded from self-employment because of the lack of small amounts of support necessary to take the first steps.

https://imsciences.edu.pk/files/journals/vol12_2/New%201%20MA.864.pdf

2020 ◽  
Vol 12 (2) ◽  
pp. 19-50 ◽  
Author(s):  
Muhammad Siddique ◽  
Shandana Shoaib ◽  
Zahoor Jan
Keyword(s):  
Organizational Performance ◽  
Structural Equation ◽  
High Performance ◽  
Service Sector ◽  
Performance Outcomes ◽  
Theory And Practice ◽  
Relational Coordination ◽  
Multiple Sources ◽  
And Performance ◽  
High Level

A key aspect of work processes in service sector firms is the interconnection between tasks and performance. Relational coordination can play an important role in addressing the issues of coordinating organizational activities due to high level of interdependence complexity in service sector firms. Research has primarily supported the aspect that well devised high performance work systems (HPWS) can intensify organizational performance. There is a growing debate, however, with regard to understanding the “mechanism” linking HPWS and performance outcomes. Using relational coordination theory, this study examines a model that examine the effects of subsets of HPWS, such as motivation, skills and opportunity enhancing HR practices on relational coordination among employees working in reciprocal interdependent job settings. Data were gathered from multiple sources including managers and employees at individual, functional and unit levels to know their understanding in relation to HPWS and relational coordination (RC) in 218 bank branches in Pakistan. Data analysis via structural equation modelling, results suggest that HPWS predicted RC among officers at the unit level. The findings of the study have contributions to both, theory and practice.

Exploring The Effect of Visual Information Degradation on Human Perception and Performance In A Human-Telerobot System

2020 ◽  
Vol 64 (1) ◽  
pp. 1302-1307
Author(s):  
Richard Stone ◽  
Minglu Wang ◽  
Thomas Schnieders ◽  
Esraa Abdelall
Keyword(s):  
Visual Information ◽  
Human Perception ◽  
Low Level ◽  
Hit Rate ◽  
Word Level ◽  
Level Of Automation ◽  
Significant Difference ◽  
Human Operators ◽  
And Performance ◽  
High Level

Human-robotic interaction system are increasingly becoming integrated into industrial, commercial and emergency service agencies. It is critical that human operators understand and trust automation when these systems support and even make important decisions. The following study focused on human-in-loop telerobotic system performing a reconnaissance operation. Twenty-four subjects were divided into groups based on level of automation (Low-Level Automation (LLA), and High-Level Automation (HLA)). Results indicated a significant difference between low and high word level of control in hit rate when permanent error occurred. In the LLA group, the type of error had a significant effect on the hit rate. In general, the high level of automation was better than the low level of automation, especially if it was more reliable, suggesting that subjects in the HLA group could rely on the automatic implementation to perform the task more effectively and more accurately.

Ranging technology using signals of opportunity of non-cooperative communication satellites

2020 ◽  
pp. 1-13
Author(s):  
Yuanyuan Gao ◽  
Yu Hua ◽  
Yu Xiang ◽  
Changjiang Huang ◽  
Shanhe Wang ◽  
...  
Keyword(s):  
Cooperative Communication ◽  
Estimation Algorithm ◽  
Time Difference ◽  
Difference Measurement ◽  
Test Platform ◽  
Positioning Technique ◽  
And Performance ◽  
Navigation Signals ◽  
To Receive ◽  
Signals Of Opportunity

Abstract The positioning technique employing the ubiquitous signals of opportunity of non-cooperative satellites does not send special navigation signals, instead it passively receives satellite signals as noise, presenting advantages of concealment and difficulty for potential attackers. Thus, this study investigates the ranging principle and model using non-cooperative communication satellites and a time difference estimation algorithm. The technology of time difference measurement under non-cooperative observation mode was determined and simulated. A test platform for time difference measurement was built to receive the signal from an unknown geostationary Earth orbit communication satellite and verify the ranging feasibility and performance. The ranging accuracy was found to be smaller than 6 m, as demonstrated by experimental data, which shows the viability of the proposed positioning technique for ranging technology.

scholarly journals Towards a contemporary player learning in development framework for sports practitioners

2021 ◽  
pp. 174795412110023
Author(s):  
Mark O Sullivan ◽  
Carl T Woods ◽  
James Vaughan ◽  
Keith Davids
Keyword(s):  
Linear Process ◽  
Task Environment ◽  
Coach Education ◽  
Development Framework ◽  
Novel Approach ◽  
Non Linear ◽  
And Performance ◽  
Learning Development ◽  
High Level ◽  
User Friendly

As it is appreciated that learning is a non-linear process – implying that coaching methodologies in sport should be accommodative – it is reasonable to suggest that player development pathways should also account for this non-linearity. A constraints-led approach (CLA), predicated on the theory of ecological dynamics, has been suggested as a viable framework for capturing the non-linearity of learning, development and performance in sport. The CLA articulates how skills emerge through the interaction of different constraints (task-environment-performer). However, despite its well-established theoretical roots, there are challenges to implementing it in practice. Accordingly, to help practitioners navigate such challenges, this paper proposes a user-friendly framework that demonstrates the benefits of a CLA. Specifically, to conceptualize the non-linear and individualized nature of learning, and how it can inform player development, we apply Adolph’s notion of learning IN development to explain the fundamental ideas of a CLA. We then exemplify a learning IN development framework, based on a CLA, brought to life in a high-level youth football organization. We contend that this framework can provide a novel approach for presenting the key ideas of a CLA and its powerful pedagogic concepts to practitioners at all levels, informing coach education programs, player development frameworks and learning environment designs in sport.

scholarly journals Clinical presentation of strokes confined to the insula: a systematic review of literature

2021 ◽  
Author(s):  
Vincenzo Di Stefano ◽  
Maria Vittoria De Angelis ◽  
Chiara Montemitro ◽  
Mirella Russo ◽  
Claudia Carrarini ◽  
...  
Keyword(s):  
Systematic Review ◽  
Clinical Presentation ◽  
Insular Cortex ◽  
Affective Processing ◽  
Appropriate Treatment ◽  
Insula Cortex ◽  
Atypical Presentations ◽  
High Level ◽  
To Receive ◽  
Insular Region

Abstract Background and purpose The insular cortex serves a wide variety of functions in humans, ranging from sensory and affective processing to high-level cognition. Hence, insular dysfunction may result in several different presentations. Ischemic strokes limited to the insular territory are rare and deserve a better characterization, to be quickly recognized and to receive the appropriate treatment (e.g. thrombolysis). Methods We reviewed studies on patients with a first-ever acute stroke restricted to the insula. We searched in the Medline database the keywords “insular stroke” and “insular infarction”, to identify previously published cases. Afterwards, the results were divided depending on the specific insular region affected by the stroke: anterior insular cortex (AIC), posterior insular cortex (PIC) or total insula cortex (TIC). Finally, a review of the clinical correlates associated with each region was performed. Results We identified 25 reports including a total of 49 patients (59.7 ± 15.5 years, 48% male) from systematic review of the literature. The most common clinical phenotypes were motor and somatosensory deficits, dysarthria, aphasia and a vestibular-like syndrome. Atypical presentations were also common and included dysphagia, awareness deficits, gustatory disturbances, dysautonomia, neuropsychiatric or auditory disturbances and headache. Conclusions The clinical presentation of insular strokes is heterogeneous; however, an insular stroke should be suspected when vestibular-like, somatosensory, speech or language disturbances are combined in the same patient. Further studies are needed to improve our understanding of more atypical presentations.

Qassim Central Power Plant Inlet Air Cooling System

2001 ◽  
Author(s):  
A. Al Bassam ◽  
Y. M. Al Said
Keyword(s):  
Saudi Arabia ◽  
Power Plant ◽  
Cooling System ◽  
Flow Diagram ◽  
Air Cooling ◽  
Process Flow Diagram ◽  
Electric Company ◽  
Start Up ◽  
Air Cooling System ◽  
And Performance

This paper summarizes the experiences with the first gas turbine inlet air cooling project in Saudi Arabia. It will cover the feasibility study, cooling system options, overview, system equipment description, process flow diagram, construction, commissioning, start-up and performance of the project which is currently under commissioning and initial start up at Qassim Central Power Plant (QCPP) owned by Saudi Electric Company (S.E.C.) Central Region Branch.

Migration of Solutes in Unsaturated, Fractured Rock at Yucca Mountain: Measurements, Mechanisms, and Models

1995 ◽  
Vol 412 ◽  
Author(s):  
A. V. Wolfsberg ◽  
B. A. Robinson ◽  
J. T. Fabryka-Martin
Keyword(s):  
Solute Transport ◽  
Transport Model ◽  
Alternative Hypothesis ◽  
Fractured Rock ◽  
Yucca Mountain ◽  
Nuclear Waste Repository ◽  
Transport Studies ◽  
And Performance ◽  
High Level ◽  
A Site

AbstractCharacterization and performance assessment (PA) studies for the potential high-level nuclear waste repository at Yucca Mountain require an understanding of migration mechanisms and pathways of radioactive solutes. Measurements of 36C1 in samples extracted from boreholes at the site are being used in conjunction with recent infiltration estimates to calibrate a site-scale flow and solute transport model. This exercise using the flow and solute transport model, FEHM, involves testing different model formulations and two different hypotheses to explain the occurrence of elevated 36Cl in the Calico Hills unit (CHn) which indicates younger water than in the overlying Topopah Spring unit (TSw). One hypothesis suggests fast vertical transport from the surface via fractures in the TSw to the CHn. An alternative hypothesis is that the elevated 36C1 concentrations reflect rapid horizontal flow in the CHn or at the interface between the CHn and the TSw with the source being vertical percolation under spatially isolated regions of high infiltration or at outcrops of those units. Arguments in favor of and against the hypotheses are described in conjunction with the site-scale transport studies.

PHILOSOPHY OF THE UNITY OF KNOWLEDGE, COMPETENCIES, AND VALUES OF THE NEW UKRAINIAN SCHOOL

2021 ◽  
pp. 36-46
Author(s):  
Oksana Yakymchuk
Keyword(s):  
Real Life ◽  
Essential Characteristic ◽  
Knowledge And Skills ◽  
Pedagogical Action ◽  
Professional Self ◽  
Level Of Knowledge ◽  
Knowledge Competencies ◽  
High Level ◽  
Unity Of Knowledge ◽  
Educational Potential

The formation of a powerful, active, and dynamic axiological foundation of personality is one of the essential tasks of the competency approach because even a high level of knowledge and skills acquired in the process of learning and education cannot ensure the integrity and progressively oriented unity of personal and professional competencies for future successful life, socio-cultural and professional self-realization. Given this, within the competence paradigm of education, qualitatively new content is the unity of learning and education. If before a significant amount of theoretical knowledge, detached from real life, had a shallow educational potential, now any pedagogical action, even focused on the cognitive assimilation of basic scientific knowledge, will have a worldview. An essential characteristic of the competency approach in education is that it can ensure each student’s unique structure the unity of knowledge, competencies, and values.

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